Sad that you insist on paying a 3% tithe to the payment processor companies instead of bothering to carry a few pieces of paper around. This hurts your local, small businesses.
It's not the carrying of the paper that's the problem.
I have to know beforehand how much I'll need, and keep that separate from the rest of my funds. This means that I can't use it for anything that would normally come directly out of my account, and can only be used for in-person transactions.
Why would it be a loss, then? People using Apple Pay were probably paying with a card previously, not cash. Transaction fees remain the same, POS remains the same if it already supported RFID cards, interface remains the same.
Why would any of that be different? As I understood it, from the point of view of the retailer it's no different than a (contactless) card. So sure, she might have to update her POS, but is going to have to do that anyway. So no different gadget, no different training, maybe another processer but maybe what she's already using?
My understanding was the chip and pin / EMV is coming for all merchants in the US pretty soon, regardless of what they think of it. If your forced into making that change, supporting apple pay isn't anything much additional. Of course I could be wrong about that.
